Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,962Cash toward the purchase price.
Closing costs + prepaids$12,745Not just lender fees.
Before credits & paid funds$15,707The complete starting cash picture.
Estimated remaining funds due at closing
$15,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,962.04
Your down payment$2,962.04
Closing costs + prepaids$12,744.64
Total buyer cash needed$15,706.67
Remaining funds due$15,706.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.50
Initial HOA (3 months)$1,347.00
Prepaid interest, first (28 days)$1,472.14
Fees + prepaids$12,744.64
Your down payment is the seller’s equity. You take over the $312,038 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $15,706.67 is due at closing. Uses and sources reconcile at $327,744.64 each. Not a Closing Disclosure.